1909 Chestnut Ave, Panama City, FL 32405 Property Records

Bay County property record for 1909 Chestnut Ave, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 1965
Lot Size	0.203 acres (8,843 sqft)
Owner	Individual Name on Record
Last Sale	$282,500 (Jun 2023)
Tax Bill	$3,435 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28858-000-000`

Property Details

APN / Parcel Number

Primary APN	`28858-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,788 sqft Heated Area
Gross Area	2,052 sqft
1st Floor Area	1,788 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	118 ft deep x 75 ft wide

Exterior Amenities

Porch	Porch
Porch Area	264 sqft
Deck Area	176 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1909 CHESTNUT AVE
City	PANAMA CITY
State	FL
Zip	32405-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC01
Legal Description	HENTZ 1ST ADD UNIT B REPLAT LOT 5 BLK 13 ORB 4701 P 1258
Legal Range	15W
Legal Township	03S
Legal Section	36
Legal Subdivision	HENTZ 1ST ADD UNIT B REPLAT
Legal Block	13
Legal Lot Number	5
Legal Unit	B
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1020
Census Tract	2300

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1909 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
May 1, 2023	Quit Claim Deed, Transfer NOT AVAILABLE, BURG TITLE LLC
Oct 21, 2022	Correction Deed NOT AVAILABLE, BURG TITLE LLC
Jun 22, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	May 1, 2023
Deed Document Number	2023038592
Deed Book / Page	4701 / 1258
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 21, 2023
Property Address	1909 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0047011258
Book / Page	4701 / 1258
Map Reference	MB 9 PG 62
Instrument Date	Jun 9, 2023
Instrument	2023038592
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,977.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 RENA DR, LAFAYETTE, LA 70503-4352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 CHESTNUT AVE, PANAMA CITY, FL 32405-2441

Mortgage

Document Number	0047011262
Date	Jun 21, 2023
Instrument	4701/1262

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	0047011277
Date	Jun 21, 2023
Book Page	4701/1277
Instrument	2023038595

Lender

Name	CITY OF PANAMA CITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	May 1, 2023
Property Address	1909 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0046840172
Book / Page	4684 / 172
Map Reference	MB 9 PG 62
Instrument Date	Apr 18, 2023
Instrument	2023026696
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	NOT AVAILABLE, BURG TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12323 COUNTRY CLUB DR, PANAMA CITY, FL 32404-2707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 RENA DR, LAFAYETTE, LA 70503-4352
Investor	Possibly a Property Investor

October 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	BAY FL
Recording Date	Oct 21, 2022
Property Address	1909 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0046230688
Book / Page	4623 / 688
Map Reference	MB 9 PG 62
Instrument Date	Sep 30, 2022
Instrument	2022077252
Record Updated	Nov 4, 2022
Title Company	NOT AVAILABLE, BURG TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2411 FRONTIER LN, 2411, PANAMA CITY, FL 32405-2262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 RENA DR, LAFAYETTE, LA 70503-4352

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BAY FL
Recording Date	Jun 22, 2022
Property Address	1909 CHESTNUT AVE, PANAMA CITY, FL 32405-2441
Document Number	0045790843
Book / Page	4579 / 843
Map Reference	MB 9 PG 62
Instrument Date	Jun 20, 2022
Instrument	2022046741
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,106.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2411 FRONTIER LN, 2411, PANAMA CITY, FL 32405-2262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12323 COUNTRY CLUB DR, PANAMA CITY, FL 32404-2707

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,435.00 (+42.12%) Homeowner's exemption	$259,580 (+89.28%) Land $45,896 Building $213,684	$259,580 (+89.28%) Land $45,896 Building $213,684
2023	$2,417.00 (+164.73%)	$137,138 (+205.4%) Land $34,665 Building $102,473	$137,138 (+205.4%) Land $34,665 Building $102,473
2022	$913.00	$44,905 Land $24,691 Building $20,214	$44,905 Land $24,691 Building $20,214

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	71 (1982–2021)
Claims Outside the SFHA	55 of 71
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Hurricane Michael, Oct 2018 · 19 claims Severe Storms And Flooding, Jul 2013 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Chestnut Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures